Filing Flows › Coastal Financial (CCB) › Q3 2026
Coastal Financial (CCB) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
Coastal Financial (CCB) reported revenue of $149M for the third quarter 2026 (Q3 2026), +3% from a year earlier and -16% from the quarter before. Operating margin was 12.4%, net earnings $13.8M (9.2% of revenue).
Coastal Financial, Q3 2026: revenue $149M (+3% year over year), operating margin 12.4%, net earnings $13.8M, operating cash flow $41.9M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $149M | -16% | +3% |
| Operating profit | $18.5M | — | +3% |
| Net earnings | $13.8M | — | +1% |
| Operating cash flow | $41.9M | -45% | -29% |
| Free cash flow | $39.6M | -47% | -31% |
What changed
Revenue was $149.3M in Q3 2026, up 3% year over year and down 16% from the previous quarter. Net interest income was the largest line at 59% of revenue. Net interest income added $10.4M year over year (up 13%), 223% of the total change. Noninterest income declined 9%.
Operating profit was $18.5M, a 12.4% margin (unchanged year over year). Of the extra revenue versus a year earlier, 12% reached operating profit, below the 12% margin then. Total costs grew 3% against revenue growth of 3%. The fastest-growing cost line was Noninterest expense (+21%). Net earnings were $13.8M, up 1% year over year. The effective tax rate was 25.3%.
Operating cash flow was $41.9M (down 29% year over year), 304% of net earnings. Non-cash charges added back $1.2M of depreciation and amortization and $1.0M of share-based compensation. Working capital and other items added $25.9M. Capital expenditures of $2.4M left free cash flow of $39.6M.
Questions
What was Coastal Financial's revenue in the third quarter 2026?
Coastal Financial (CCB) reported revenue of $149M for the third quarter 2026 (Q3 2026), +3% from a year earlier and -16% from the quarter before.
Was Coastal Financial profitable in the third quarter 2026?
Operating profit was $18.5M (12.4% of revenue) and net earnings $13.8M.
Source: Coastal Financial 10-Q on SEC EDGAR.